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FFNM > SEC Filings for FFNM > Form 10-K on 29-Mar-2013All Recent SEC Filings

Show all filings for FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC. | Request a Trial to NEW EDGAR Online Pro

Form 10-K for FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC.


29-Mar-2013

Annual Report


ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
RESULTS OF OPERATIONS

Information contained in the section captioned "Management's Discussion and Analysis of Financial Condition and Results of Operations" is incorporated by reference to Exhibit 13, the Company's Annual Report to Stockholders.

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